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Choosing an insurance broker in Chennai: five checks that matter more than a top-10 list
Lists of the best insurance brokers in Chennai rarely say how they were ranked. Five checks tell you more in ten minutes: the IRDAI licence, its category, who the broker acts for, who handles your claim, and how the broker is paid.
SmartTech Insurance
IDV, zero depreciation and NCB: the three numbers that decide your motor claim
Owners shave the IDV down to cut the premium, then discover that a total-loss settlement is paid on exactly that number. Here is what IDV, zero depreciation and NCB are worth, in rupees.
SmartTech Insurance
Cashless Everywhere: what the one-hour rule means when you are standing at the desk
IRDAI now requires cashless authorisation within one hour and discharge approval within three. Both are enforceable, and the cost of delay sits with the insurer. Here is how to use that.
SmartTech Insurance
Room Rent Limits: the clause that quietly cuts your claim by 40%
A room rent cap does not just limit the room charge. It scales down every other line on the hospital bill in the same proportion - surgeon fees, ICU, investigations. Here is the arithmetic, worked through on a real bill.
SmartTech Insurance
International travel insurance from Chennai: what to check before you fly
Travel insurance is cheap next to what one hospital night abroad costs, and most mistakes happen before departure: the wrong sum insured for the country, a student policy the university will not accept, or a policy bought after leaving India.
SmartTech Insurance
Searching for a general insurance agency near you? Agent, broker or app - what each actually does
A general insurance agency, a broker and a comparison app can all sell you the same motor or health policy. They differ in who they work for and what happens when you claim - which is also when being nearby matters.
SmartTech Insurance
Marine cargo insurance and Incoterms: who actually owns the risk at sea
Most uninsured cargo losses are not caused by a refused claim. They are caused by a seller and a buyer who each assumed the other side's Incoterm obligation covered it. Here is where risk really transfers.
SmartTech Insurance
Group mediclaim for a 20-person company: the first renewal is the real price
Year one of a group health policy is priced on a guess. Year two is priced on your own claims. That is where a badly structured policy becomes expensive, and where most SMEs first find out what they bought.
SmartTech Insurance
Porting your health policy: you keep the waiting periods you have already served
People stay in a policy that no longer fits because they believe switching restarts the clock. It does not. Waiting periods port with you. What actually destroys continuity is a renewal paid late.